ATLAS FINANCIAL CONSULTING LIMITED

🌳Matureactive

SC217926 · ltd · incorporated 2001-04-09

Investment thesis

Well-run mature business — low negotiation leverage; premium likely.

Why interesting: Textbook target; clean filings, stable trading.

Why risky: No pressure on seller; any deal likely at full price.

Opportunity decay

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Apr 2025

Net worth

£37.9k

book net assets

Opportunity

81/100

Exceptional

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Asset-holding vehicle with a 64-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (76/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

Confirmed no charges registered

Directors & officers

5 officers (3 active, 5 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

69 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

81/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £37,897

Key financials

2 years extracted from filed iXBRL accounts

Cash

£40k

Net Worth

£38k

Current Assets

£40k

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-04-30	2024-04-30
Total assets	£37.9k	—
Current assets	£39.7k	—
Cash	£39.7k	—
Net assets	£37.9k	—
Average employees	—	200

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.

Available from the Pro tier upwards.

See pricing →

Recent activity

Last 30 days

filing

• 1 confirmation-statement

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (23 events)Click to expand

2025-10-01
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-09
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-02
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-23
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-05-22
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-05-15
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-05-14
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-07-07
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2016-05-18
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-04-18
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-05-21
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-04-17
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-05-14
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2014-04-21
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2001-04-18
➕
HAY, Carol Ann appointed
secretary
2001-04-18
➕
HAY, Carol Ann appointed
director
2001-04-18
➕
HAY, Stuart Paton appointed
director
2001-04-18
➖
PF & S (SECRETARIES) LIMITED resigned
corporate-nominee-secretary
2001-04-18
➖
PF & S (DIRECTORS) LIMITED resigned
corporate-nominee-director
2001-04-09
🏢
Company incorporated
As ATLAS FINANCIAL CONSULTING LIMITED
2001-04-09
➕
PF & S (SECRETARIES) LIMITED appointed
corporate-nominee-secretary
2001-04-09
➕
PF & S (DIRECTORS) LIMITED appointed
corporate-nominee-director

Owner dependency

76/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

86/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 25 years old and no new directors in the last 3 years — succession not yet being planned internally.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mrs Carol Ann Hay Individual · British · DOB 05/1962 · age 64	50–75%	25–50%	50-75% shares · 50-75% voting	06/04/2016
Mr Stuart Paton Hay Individual · British · DOB 05/1962 · age 64	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

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PROFESSIONAL FINANCIAL PLANNERS LIMITED→ SC327610 · est 2007	—	—	£2.38M	—	18y	83	69y
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ADVANCED FINANCIAL PLANNING SCOTLAND LIMITED→ SC387177 · est 2010	—	—	—	1100	15y	82	72y
ATHOLL SCOTT FINANCIAL SERVICES LIMITED→ SC108824 · est 1988	—	—	£233.4k	—	38y	82	59y
OPTIMA FINANCIAL SERVICES LTD.→ SC202196 · est 1999	—	—	£134.3k	—	26y	82	69y
FUTURA INVESTMENTS LIMITED→ SC181954 · est 1998	—	—	—	—	28y	81	61y
J M TAYLOR FINANCIAL SERVICES LIMITED→ SC352131 · est 2008	—	—	£1.71M	—	17y	81	68y
JAMES AND GEORGE COLLIE FINANCIAL MANAGEMENT LIMITED→ SC253171 · est 2003	—	—	£11.1k	—	22y	81	68y
LOSSIEMOUTH FISHERMEN'S BENEVOLENT ASSOCIATION LIMITED→ SC185887 · est 1998	—	—	£77.0k	—	27y	81	81y
SEED FUND (CARRY PARTNER) GENERAL PARTNER LIMITED→ SC318560 · est 2007 · no financials extracted	—	—	—	—	19y	81	71y
24X2 INVESTMENTS LIMITED→ SC260211 · est 2003	—	—	£397.9k	—	22y	80	62y

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

6 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.

Available from the Pro tier upwards.

See pricing →

🔒Advanced scoring suite

Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.

Available from the Pro tier upwards.

See pricing →

Company details

Statusactive

Typeltd

Incorporated2001-04-09

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

22 St Michaels Way

Newtonhill

Stonehaven

Kincardineshire

AB39 3GS

Filing status

Accounts

Next due: 2027-01-31

Last made up to: 2025-04-30

Confirmation statement

Next due: 2027-04-23

Last: 2026-04-09

Officers (3 active · 2 resigned)

HAY, Carol Ann→

secretary · appointed 2001-04-18

View their other companies + combined net worth →

Active

HAY, Carol Ann→

director · ~64y · appointed 2001-04-18

View their other companies + combined net worth →

Active

HAY, Stuart Paton→

director · ~64y · appointed 2001-04-18

View their other companies + combined net worth →

Active

PF & S (SECRETARIES) LIMITED→

corporate-nominee-secretary · appointed 2001-04-09 · resigned 2001-04-18

Resigned

PF & S (DIRECTORS) LIMITED→

corporate-nominee-director · appointed 2001-04-09 · resigned 2001-04-18

Resigned

Click a director name to see their full track record across all companies.